Bank First, N.A.

This is a bank that offers SBA loan programs designed to help small businesses access funding for various needs. You can find information about loan options, application processes, and personalized support for your business growth.

It's recommended to schedule an appointment to ensure personalized service, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit.

The bank operates from 9:00 AM to 4:00 PM, Monday through Friday. It's best to confirm hours before visiting, especially during holidays or special circumstances.

There are no fees to inquire about SBA loans, but standard loan fees and closing costs may apply if you proceed with a loan application.

This bank primarily serves small business owners and entrepreneurs in the Manitowoc area, but eligibility depends on meeting SBA program requirements and creditworthiness.

A minimum personal credit score of around 640 is generally preferred, though higher scores improve approval chances.

The underwriting process typically takes 2 to 4 weeks, depending on the completeness of your application and the complexity of your loan request.

Most banks keep weekday business hours and are closed on weekends, and Bank First, N.A. typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Bank First, N.A. to confirm current weekend availability before you go.

Bank First, N.A. is located in Wisconsin — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Bank First, N.A., an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank First, N.A. itself, which runs its own lending under its own ownership. If you work at Bank First, N.A., you can claim this listing from this page to manage it.

The core details for Bank First, N.A. — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Bank First, N.A. before applying. If you represent Bank First, N.A., claim this listing to keep its information up to date.

You can reach Bank First, N.A. by phone at (920) 652-3100 or online at bankfirst.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Bank First, N.A. before relying on them.

Based on its approved SBA loans, Bank First, N.A. most often finances businesses in manufacturing, construction & contractors, restaurants & food service, general retail, automotive repair & services, and medical practices & clinics. This reflects Bank First, N.A.'s real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Bank First, N.A. which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Bank First, N.A. participates in SBA Express depends on its specific SBA lending authority. Contact Bank First, N.A. and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Bank First, N.A. can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Bank First, N.A.'s appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank First, N.A. directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Bank First, N.A. what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Bank First, N.A. to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Bank First, N.A. to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Bank First, N.A. weighs this case by case under its own policy, so be upfront about your history and ask Bank First, N.A. how it evaluates prior bankruptcies.